Ohio County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ohio County, KY distress report, 2026: 17 ZIPs scored in Ohio, KY, Ohio, KY average 28/100; the top Ohio, KY ZIP is 42366 at 35/100; Ohio, KY market phase expansion, Ohio, KY prices +5.3% year over year.
- Ohio, KY ranks #310 nationally (opportunity index); Ohio, KY #29 in Kentucky; Ohio, KY index 34.7.
- Ohio, KY: no CFPB county sample; Ohio, KY non-metro area reading 1.1%.
- Ohio, KY ZIP phases: 17 expansion.
- Ohio, KY residential listings tracked: 12 across 12 ZIPs; Ohio, KY candidate listings 6.
- Ohio, KY HUD assisted properties: 2 with 87 units.
- Ohio, KY lenders on watch: 5; largest Ohio, KY footprint Commonwealth Cmty Bank Inc (2 branches).
- Ohio, KY most distressed ZIP: 42366 at 35/100.
Ohio, KY figures: DLRadar distress index; Ohio, KY inputs: CFPB, FHFA, HUD, FDIC; Ohio, KY rebuilt as sources refresh.
| Rank | Ohio, KY ZIP | Score |
|---|---|---|
| 1 | 42366 | 35/100 |
| 2 | 42376 | 34/100 |
| 3 | 42378 | 32/100 |
| 4 | 42320 | 29/100 |
| 5 | 42328 | 29/100 |
| 6 | 42333 | 29/100 |
| 7 | 42338 | 29/100 |
| 8 | 42347 | 29/100 |
| 9 | 42354 | 29/100 |
| 10 | 42369 | 29/100 |
| 11 | 42370 | 29/100 |
| 12 | 42349 | 28/100 |
Most distressed Ohio, KY ZIPs (0-100, 2026)
Mortgage delinquency around Ohio, KY
No CFPB county sample covers Ohio, KY; the non-metro area reading for Ohio, KY: 1.1% ninety-plus; Ohio, KY area thirty-to-eighty-nine 3.0% (December 2025, Ohio, KY); Kentucky overall 1.0%.
Opportunity index: Ohio, KY
Ohio, KY index 34.7, Ohio, KY phase peak_opportunity; Ohio, KY primary driver construction, Ohio, KY second driver bank institutional. Ohio, KY components: property stress 25.8, foreclosure pressure 24.6, listing discounts 34.4, bank stress 54.5, insurance 0.0; Ohio, KY pulse 37.8; Ohio, KY capital opportunity 28.0; Ohio, KY seven-day change -0.6%.
ZIP market phases inside Ohio, KY
17 Ohio, KY ZIPs carry a price-cycle phase; Ohio, KY ZIPs by phase (Ohio, KY), deepest drawdown first: expansion, +5.1% YoY, 0.0% off peak (Ohio, KY): 42320, 42333; expansion, +5.3% YoY (Ohio, KY): 40119, 42328, 42338, 42343, Ohio, KY 42347, 42349, 42354, 42361, Ohio, KY 42368, 42369, 42370; expansion, +8.9% YoY (Ohio, KY): 42352; expansion, +11.1% YoY (Ohio, KY): 42366; expansion, +10.7% YoY (Ohio, KY): 42376.
Residential listings by Ohio, KY ZIP
Ohio, KY ZIPs with the most tracked Ohio, KY residential listings: 42347 4 listings, 4 candidates, bank pressure 69; 42343 3 listings, 0 candidates, bank pressure 65; 42328 2 listings, 0 candidates, bank pressure 69; 42378 2 listings, 2 candidates, bank pressure 64 (Ohio, KY); 42320 1 listings, 0 candidates, bank pressure 69; 42333 0 listings, 0 candidates, bank pressure 69; 42338 0 listings, 0 candidates, bank pressure 69; 42349 0 listings, 0 candidates, bank pressure 63. Ohio, KY totals: 12 listings; Ohio, KY candidates 6; active ZIPs 5.
HUD assisted housing in Ohio, KY
2 assisted properties with 87 units sit in Ohio, KY; largest Ohio, KY properties: Riverbend Apts (Hartford) 79 units, 78 assisted; Independent Living Ii (Beaver Dam) 8 units, 8 assisted.
Lenders with branches in Ohio, KY
Ohio, KY lenders by branch count: Commonwealth Cmty Bank Inc (Ohio, KY): stress 74, 2 branches low in Ohio, KY; Morgantown Bank&Trust Co Inc (Ohio, KY): stress 82, 1 branch low in Ohio, KY; First Kentucky Bank Inc (Ohio, KY): stress 73, 1 branch low in Ohio, KY; First United Bank&Trust Co (Ohio, KY): stress 72, 1 branch low in Ohio, KY; Cecilian Bank (Ohio, KY): stress 56, 1 branch low in Ohio, KY.
Vacancy and permits, Ohio, KY
1,134 of 10,241 Ohio, KY housing units are vacant; Ohio, KY permits, twelve months: 0 multifamily units in Ohio, KY, 10 one-to-four unit units.
Work Ohio, KY at the parcel level
Every Ohio, KY parcel carries owner and address; every Ohio, KY parcel carries APN; Ohio, KY distress scores sit on the Ohio, KY live board.
Ohio, KY figures refresh with each source.
Ohio, KY questions
Most distressed ZIP code in Ohio County, KY?
ZIP 42366 leads Ohio, KY at 35/100; next in Ohio, KY: 42376 at 34/100; the Ohio, KY average is 28/100.
Where does Ohio County, KY rank for investment opportunity?
Ohio, KY is #310 among all ranked counties, #29 in Kentucky; the Ohio, KY driver is construction; Ohio, KY moved up 250 places.
How many mortgages are delinquent in Ohio County, KY?
Ohio, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Ohio, KY.
Which banks lend in Ohio County, KY?
5 watched lenders hold Ohio, KY branches; the largest Ohio, KY footprints are Commonwealth Cmty Bank Inc (2), Morgantown Bank&Trust Co Inc (1), First Kentucky Bank Inc (1).
More on Ohio, KY
Ohio County, KY distress report: public-record figures for Ohio, KY; not legal advice for Ohio, KY; not tax or investment advice; verify every Ohio, KY record before acting.